Frequently Asked Questions

What is Kofo, and what does it do?

"Kofo" is a service by Namow, a consultancy licensed by the Ministry of Commerce. Our role is to provide operational and financial restructuring services for companies and businesses in the Kingdom of Saudi Arabia.

We focus primarily on making it easier for companies and businesses to obtain suitable financing. We do this by studying and organizing the business's file, then recommending it to licensed financing providers such as banks and financing companies.

How does a business apply for financing?

You can easily submit a financing request through our service request page. Simply fill in the required information and upload the necessary documents based on your request.

The Kofo team reviews your request in less than one business day, then reaches out to you. If your business qualifies, we'll send you a service agreement to proceed.

Are there any fees for the service? And when are they paid?

Submitting a request is completely free. Kofo will let you know whether your business is eligible for financing and whether you've received preliminary approval from the funders — with no upfront fees.

We earn a commission only when the financing is successfully executed through the licensed providers, and this is fully explained in the agreement we sign with you.

What is the minimum financing amount? And how high can it go?

Based on our previous dealings with clients, financing amounts offered by licensed providers in the Kingdom start from SAR 200,000 and reach more than SAR 30 million.

The financing amount naturally depends on the strength of the business's financial position.

What financing products do you offer?

Remember that Kofo does not provide funds directly; rather, we help you successfully secure financing for your business from licensed providers.

There are many financing products available for companies and businesses, and the most common include:

  • Point-of-sale (POS) financing
  • Contract and invoice financing
  • Working capital financing
  • Project financing
  • Business owners' facilities

And many more.

Do you charge administrative fees?

There are no administrative fees. Kofo does not collect any amounts before the financing is successfully disbursed to your business's account.

What is the interest rate on the financing?

The interest rate (cost of financing) varies based on your business's credit rating and the type of financing requested.

The financing provider is the one that sets the interest rate and cost of financing in the offer it presents to you.

How long does the service take until the financing is disbursed?

We respond regarding your business's eligibility for financing in less than one business day.

Based on our experience, the financing is disbursed to the business's account within two business weeks at most.